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Your credit score and where to get it for free

Posted at 1:31 PM, Nov 13, 2020
and last updated 2020-11-13 15:32:18-05

During these times of COVID-19, accessing your credit is important.

Tony Rasmussen, VP Financial Education with Mountain America Credit Union, shared some great info about ways to positively impact your credit score and why it's important.

A credit score is a key indicator of your financial wellness (a snapshot in time) that indicates your reliability to repay a loan and the interest rate you will pay.

The higher your score, the more likely you are to get the best rates offered by a particular lender. A credit score can impact everything from auto loans to mortgages, student loans to credit cards.

Good scores can save you money on interest for loans but can also be considered when applying for jobs, renting a home, and more.

In order to positively impact your credit score:
- Make every payment on time
- Don't overspend-keep balances low (30% or less)
- Don't apply for too much credit in a short amount of time
- Don't close longer established accounts

If you want to know your credit score, checking with your bank/credit union can be a great place to start as some financial institutions provide scores to their customers/members.

You can also go to which gives you one free per year from each bureau

Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.

For more information go to